奇虎贷款利率 - CA, FL, GA, IL, MD, TX, VA, WA - 8月6日星期二

奇虎贷款

奇虎贷款
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SUMMARY：随着周一离岸人民币汇率破7，美股指及美10年期国债收益率大跌，今日股市略微回温。今天（8月6日星期二）的房贷利率价格延续了昨天的利好，和昨天基本持平。目前重新贷款40万左右的利率，30年固定维持在3.625%，15年固定为3.125%。购房贷款40万左右，30年固定的利率仍为3.5%，15年固定为3.0%。

注：除非特别说明，以下列出的利率都是基于本帖底部的贷款参数，并且是带impound account的利率。
******************************* CALIFORNIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.125 3.625 3.125 3.500 3.500
>$484K 3.750 3.250 ------ ------ 3.750 ------
Jumbo 4.125 3.875 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.750 3.250 3.750 3.750
>$484K 4.250 4.000 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.500 3.000 3.250 3.250
APR 3.539 3.052 3.527 3.049 3.289 3.299
 
>$484K 3.750 3.125 ------ ------ 3.625 ------
APR 3.752 3.201 ------ ------ 3.658 ------
 
Jumbo 3.875 3.625 ------ ------ 3.875 4.000
APR 3.912 3.692 ------ ------ 3.902 4.027
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
APR 4.040 3.715 3.945 3.630 ------ ------
 
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.125 3.625 3.125 3.375 3.500
>$484K 4.125 3.875 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.750 3.250 3.625 3.750
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.500 3.000 3.250 3.250
APR 3.512 3.004 3.489 2.980 3.262 3.272
 
>$484K 3.875 3.625 ------ ------ 3.875 4.000
APR 3.891 3.653 ------ ------ 3.881 4.006
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
APR 4.013 3.666 3.907 3.559 ------ ------
 
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.125 3.625 3.125 3.625 3.625
>$484K 4.375 4.125 ------ ------ 4.250 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.375 3.750 3.250 ------ ------
>$484K 4.875 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.500 3.000 3.250 3.250
APR 3.506 3.010 3.494 2.988 3.265 3.275
 
>$484K 3.875 3.625 ------ ------ 3.875 4.000
APR 3.893 3.657 ------ ------ 3.883 4.008
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
APR 4.006 3.672 3.912 3.567 ------ ------
 
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.750 3.250 ------ ------
>$484K 4.875 4.250 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.500 4.000 4.125 3.750 ------ ------
>$484K 5.000 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.375 3.000 3.375 3.000 3.250 3.250
APR 3.430 3.027 3.438 3.013 3.295 3.305
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.145 3.846 ------ ------ 3.890 4.260
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.500 3.875 3.500 ------ ------
APR 3.921 3.582 3.925 3.592 ------ ------
 
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, Jumbo Loan $562K. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.125 3.500 3.000 3.375 3.375
>$484K 4.125 3.875 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
------ ------ ------ ------ ------ ------
>$484K ------ ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.500 3.000 3.250 3.250
APR 3.498 2.996 3.483 2.968 3.258 3.268
 
>$484K 4.000 3.750 ------ ------ 3.875 4.000
APR 3.992 3.736 ------ ------ 3.888 4.013
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
APR 3.998 3.657 3.900 3.547 ------ ------
 
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.500 3.875 3.500 ------ ------
>$484K 5.125 4.500 ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.125 3.875 4.000 3.750 ------ ------
>$484K 5.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.375 3.000 3.250 3.250
APR 3.524 3.042 3.450 3.035 3.293 3.303
 
>$484K 4.125 3.875 ------ ------ 3.875 4.250
APR 4.148 3.851 ------ ------ 3.893 4.263
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.500 3.875 3.500 ------ ------
APR 3.930 3.598 3.937 3.615 ------ ------
 
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.375 3.750 3.250 ------ ------
>$484K 4.375 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
>$484K 5.000 4.375 ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.375 3.000 3.250 3.250
APR 3.538 3.067 3.470 3.072 3.307 3.317
 
>$484K 3.875 3.625 ------ ------ 3.875 4.000
APR 3.903 3.674 ------ ------ 3.892 4.018
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.875 3.500 3.875 3.500 ------ ------
APR 3.945 3.623 3.958 3.652 ------ ------
 
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post)
 
PRIMARY RESIDENCE - REGULAR REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.625 3.125 3.625 3.125 3.375 3.500
>$484K 4.125 3.875 ------ ------ 4.125 4.250
Jumbo 4.125 3.875 ------ ------ 4.125 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.750 3.250 3.750 3.250 3.625 3.750
>$484K 4.750 4.125 ------ ------ 4.375 ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
3.500 3.000 3.500 3.000 3.250 3.250
APR 3.512 3.004 3.489 2.979 3.262 3.272
 
>$484K 3.875 3.625 ------ ------ 3.875 4.000
APR 3.891 3.653 ------ ------ 3.880 4.005
 
Jumbo 3.875 3.625 ------ ------ 3.875 4.000
APR 3.885 3.643 ------ ------ 3.875 4.000
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
4.000 3.625 3.875 3.500 ------ ------
APR 4.012 3.665 3.906 3.558 ------

------
 

Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.

Rates above are based on the following assumptions:

1. Loan Amount: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV):
-
-
-
-
-
-
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)

For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

注：以上凡是没有表明利率的loan program，意味着该program做不了no point的贷款，需要收point才能做。

奇虎贷款NMLS ID: 1169300  

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